Apparatus and method for verifying transactions using voice print
First Claim
1. Apparatus for verifying that at least one consumer seeking to conduct at least one transaction with at least one merchant using at least one account is authorized to use the at least one account, the at least one account being identified by an account number, the apparatus comprising at least the following:
- at least one voice response unit configured to receive the at least one account number and at least one test voice print associated with the at least one consumer;
storage medium configured to receive the at least one account number and return at least one control voice print associated with the at least one account number;
voice print comparator configured to compare the at least one test voice print to the at least one control voice print and to return at least one match level signal indicating a degree of match therebetween;
wherein the at least one voice response unit is further configured to notify the merchant whether the at least one consumer is authorized to use the at least one account, the verification signal being responsive to the at least one match level signal; and
wherein the at least one voice response unit is configured to obtain the at least one test voice print during a telephone-based transaction between the at least one consumer and the merchant.
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0 Petitions
Accused Products
Abstract
A verification system for verifying that a consumer seeking to conduct a transaction with a merchant using an account is authorized to use the account. A voice response unit records a voice print of the customer, e.g. when the account is established, and associates the voice print with the customer account. In a subsequent transaction, such as where a customer changes telecommunications provider, the customer voice print is used to verify that a voice approval given by the customer is in fact from the customer.
92 Citations
11 Claims
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1. Apparatus for verifying that at least one consumer seeking to conduct at least one transaction with at least one merchant using at least one account is authorized to use the at least one account, the at least one account being identified by an account number, the apparatus comprising at least the following:
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at least one voice response unit configured to receive the at least one account number and at least one test voice print associated with the at least one consumer; storage medium configured to receive the at least one account number and return at least one control voice print associated with the at least one account number; voice print comparator configured to compare the at least one test voice print to the at least one control voice print and to return at least one match level signal indicating a degree of match therebetween; wherein the at least one voice response unit is further configured to notify the merchant whether the at least one consumer is authorized to use the at least one account, the verification signal being responsive to the at least one match level signal; and wherein the at least one voice response unit is configured to obtain the at least one test voice print during a telephone-based transaction between the at least one consumer and the merchant. - View Dependent Claims (2, 3, 4, 5)
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6. A method of verifying that at least one consumer seeking to conduct at least one transaction with at least one merchant using at least one account is authorized to use the at least one account, the method comprising at least the following:
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obtaining at least one test voice print from the at least one consumer; obtaining at least one account number for the account; obtaining at least one control voice print associated with the at least one account number; comparing the at least one control voice print to the at least one test voice print; identifying at least one level of match between the at least one control voice print and the at least one test; dispositioning at least one transaction in response to the at least one level of match; and wherein obtaining at least one test voice print is performed by the at least one voice response unit during a telephone-based transaction between the at least one consumer and the merchant. - View Dependent Claims (7, 8, 9, 10, 11)
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Specification